本文選題：保險(xiǎn)法 + 人身保險(xiǎn)　； 參考：《中央民族大學(xué)》2012年碩士論文

【摘要】：保險(xiǎn)從本質(zhì)上說是人們規(guī)避風(fēng)險(xiǎn)或轉(zhuǎn)移風(fēng)險(xiǎn)的一種方式,由面臨同類危險(xiǎn)的人組成團(tuán)體,籌集資金,當(dāng)個(gè)人遭遇不測(cè)時(shí)由全體成員共同分擔(dān)個(gè)人的風(fēng)險(xiǎn)與損失。如實(shí)告知義務(wù)制度是保險(xiǎn)制度中的重要一環(huán)。由于保險(xiǎn)人與投保人之間存在信息不對(duì)稱的情況,如實(shí)告知義務(wù)制度應(yīng)運(yùn)而生,其產(chǎn)生就是為了保護(hù)保險(xiǎn)人,彌補(bǔ)其在信息搜集上的弱勢(shì)。尤其在人身保險(xiǎn)中,保險(xiǎn)標(biāo)的是被保險(xiǎn)人的生命、健康,被保險(xiǎn)人的病史、年齡、職業(yè)等情況與保險(xiǎn)標(biāo)的有密切的聯(lián)系,而這些情況都是復(fù)雜多變的,如實(shí)告知義務(wù)制度的重要性更為明顯。我國《保險(xiǎn)法》對(duì)人身保險(xiǎn)中的如實(shí)告知義務(wù)制度也作出了相關(guān)的規(guī)定。但是近年來,隨著我國保險(xiǎn)業(yè)的迅速發(fā)展,有關(guān)人身保險(xiǎn)中如實(shí)告知義務(wù)的糾紛數(shù)量居高不下,我國現(xiàn)行的保險(xiǎn)立法顯露出不足之處,存在許多值得商榷和完善的地方。本文在研究人身保險(xiǎn)中的如實(shí)告知義務(wù)制度時(shí),運(yùn)用比較法的研究方法,分析不同國家、地區(qū)有關(guān)人身保險(xiǎn)中如實(shí)告知義務(wù)制度的立法差異,借鑒其他國家的保險(xiǎn)法以完善我國立法,同時(shí)還運(yùn)用案例分析法,引用典型的案例,結(jié)合案例進(jìn)行討論。 本文分為四章。第一章論述人身保險(xiǎn)中如實(shí)告知義務(wù)的理論基礎(chǔ)。首先評(píng)析了關(guān)于人身保險(xiǎn)中如實(shí)告知義務(wù)法理依據(jù)的相關(guān)學(xué)說,明確如實(shí)告知義務(wù)的法理依據(jù)為危險(xiǎn)估計(jì)說。在此基礎(chǔ)上討論人身保險(xiǎn)中如實(shí)告知義務(wù)的性質(zhì),即人身保險(xiǎn)中如實(shí)告知義務(wù)是先合同義務(wù)、法定義務(wù)和不真正義務(wù)。 第二章探討人身保險(xiǎn)中如實(shí)告知義務(wù)的內(nèi)容。首先討論了義務(wù)主體與義務(wù)相對(duì)人,投保人、被保險(xiǎn)人及其代理人都是人身保險(xiǎn)中如實(shí)告知義務(wù)的義務(wù)主體,另外從保險(xiǎn)代理人、保險(xiǎn)業(yè)務(wù)員及體檢醫(yī)師的介入兩個(gè)方面討論義務(wù)相對(duì)人的具體情況。其次分析了人身保險(xiǎn)中如實(shí)告知義務(wù)告知的內(nèi)容與范圍,即投保人或被保險(xiǎn)人知道或應(yīng)該知道的,由保險(xiǎn)人詢問的對(duì)人身保險(xiǎn)合同有重要影響的事實(shí)。 第三章分析人身保險(xiǎn)中如實(shí)告知義務(wù)的履行。首先分析了人身保險(xiǎn)中如實(shí)告知義務(wù)的履行期,人身保險(xiǎn)中如實(shí)告知義務(wù)的履行期既有一般規(guī)定,又有三個(gè)方面的特殊規(guī)定。其次討論了人身保險(xiǎn)中如實(shí)告知義務(wù)的免除的兩種情況,即保險(xiǎn)人知道或者應(yīng)當(dāng)知道的事實(shí)、投保人或被保險(xiǎn)人未告知的事實(shí)會(huì)導(dǎo)致保險(xiǎn)標(biāo)的的實(shí)際風(fēng)險(xiǎn)降低。 第四章闡述違反如實(shí)告知義務(wù)的法律后果。首先探討了違反如實(shí)告知義務(wù)的客觀要件和主觀要件。在此基礎(chǔ)上進(jìn)一步討論違反如實(shí)告知義務(wù)的后果,從解除權(quán)的行使、行使的效果、行使的阻卻三個(gè)方面進(jìn)行具體闡述。最后分析了解除權(quán)與合同法上撤銷權(quán)的關(guān)系。
[Abstract]:In essence, insurance is a way for people to avoid or transfer risks. They form groups of people who are facing the same kind of risks, raise funds, and share the risks and losses of individuals when they encounter an accident. The obligation to inform truthfully is an important part of the insurance system. Due to the existence of information asymmetry between the insurer and the insured, the obligation of truthful notification arises at the historic moment, which is to protect the insurer and make up for its weakness in information collection. Especially in personal insurance, the subject matter of insurance is the life, health, medical history, age, occupation and so on of the insured, which are closely related to the subject matter of insurance, and these conditions are complex and changeable. The importance of the obligation to inform truthfully is more obvious. The insurance law of our country has also made the relevant stipulation to the truthful informing obligation system in the personal insurance. But in recent years, with the rapid development of the insurance industry in China, the number of disputes about the obligation of truthful notification in personal insurance remains high, and the current insurance legislation of our country shows its shortcomings, which is worth discussing and perfecting. When studying the system of truthful disclosure obligation in personal insurance, this paper applies the comparative method to analyze the legislative differences of the truthful disclosure obligation system in personal insurance in different countries and regions. The insurance law of other countries is used for reference in order to perfect the legislation of our country. At the same time, the case analysis method is used, the typical cases are cited, and the cases are discussed. This paper is divided into four chapters. The first chapter discusses the theoretical basis of the obligation to inform truthfully in personal insurance. Firstly, the author analyzes the relevant theories about the legal basis of the truthful obligation of disclosure in personal insurance, and makes clear that the legal basis of the obligation of truthful disclosure is the theory of risk estimation. On this basis, this paper discusses the nature of the obligation of truthful disclosure in personal insurance, that is, the obligation to inform truthfully in personal insurance is the prior contractual obligation, the legal obligation and the unreal obligation. The second chapter discusses the content of the obligation to inform truthfully in personal insurance. First of all, it is discussed that the subject of obligation and the relative person of obligation, the insured, the insured and their agent are all the subject of obligation of truthfully informing in personal insurance, in addition, from the insurance agent, Insurance salesman and physical examination doctor's intervention two aspects discuss the obligation relative person's specific situation. Secondly, it analyzes the content and scope of the truthful disclosure obligation in personal insurance, that is, the fact that the insured or the insured knows or should know, the fact that the insurer inquires about the important influence on the personal insurance contract. The third chapter analyzes the fulfillment of the obligation to inform truthfully in personal insurance. First of all, it analyzes the fulfilling period of truthful disclosure obligation in personal insurance. There are general provisions and three special provisions in the fulfillment period of truthful disclosure obligation in personal insurance. Secondly, it discusses the two cases of exemption of truthful obligation of disclosure in personal insurance, that is, the fact that the insurer knows or should know, and the fact that the insured or the insured does not inform will lead to the reduction of the actual risk of the subject matter insured. Chapter four describes the legal consequences of violating the obligation to inform truthfully. First of all, the objective and subjective elements of violating the obligation to inform truthfully are discussed. On this basis, it further discusses the consequences of violating the obligation to inform truthfully, from three aspects: the exercise of the right of rescission, the effect of the exercise, and the hindrance of the exercise. Finally, it analyzes the relationship between the right of rescission and the right of rescission in contract law.
【學(xué)位授予單位】：中央民族大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：D922.284

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 李章軍;中英保險(xiǎn)合同中如實(shí)告知義務(wù)之比較研究[J];比較法研究;2003年05期

2 馬寧;;比較法視野中的歐洲保險(xiǎn)合同法如實(shí)告知義務(wù)評(píng)析[J];保險(xiǎn)研究;2010年09期

3 王欣;論中英兩國海上保險(xiǎn)法告知義務(wù)中“重要情況”的標(biāo)準(zhǔn)[J];當(dāng)代法學(xué);2002年11期

4 劉敏;保險(xiǎn)法上的告知義務(wù)[J];當(dāng)代法學(xué);2003年11期

5 周玉華;保險(xiǎn)法上的告知義務(wù)制度[J];法學(xué)雜志;2001年01期

6 溫世揚(yáng),黃軍;論保險(xiǎn)法上的告知義務(wù)[J];法學(xué)評(píng)論;2002年02期

7 曹興權(quán);;保險(xiǎn)“最大誠信”之反思——兼論保險(xiǎn)告知義務(wù)的理論依據(jù)[J];甘肅政法學(xué)院學(xué)報(bào);2006年01期

8 曹興權(quán);締約信息義務(wù)理論之比較研究[J];廣西社會(huì)科學(xué);2004年10期

9 郝麗;淺析人身保險(xiǎn)合同中投保人的如實(shí)告知義務(wù)[J];經(jīng)濟(jì)論壇;2005年10期

10 孫成聚;“如實(shí)告知”是保險(xiǎn)雙方的法律義務(wù)[J];金融理論與實(shí)踐;2005年04期

相關(guān)博士學(xué)位論文 前1條

1 曹興權(quán);保險(xiǎn)締約信息義務(wù)制度研究[D];西南政法大學(xué);2003年

相關(guān)碩士學(xué)位論文 前1條

1 沈秀;論保險(xiǎn)如實(shí)告知義務(wù)制度[D];西南財(cái)經(jīng)大學(xué);2006年

，

本文編號(hào)：2031003